Toby Carlin has over 30 years of experience in financial services specializing in wealth management, retirement income planning, and estate strategies. As a fiduciary, he helps clients define and achieve their goals, offering a guiding hand and listening ear. Toby always thinks about what’s best for his clients, so after the 2008 financial crisis, he shifted away from traditional market-based strategies to a more reliable, income-focused approach. Using this approach, he focuses on helping clients generate sustainable income without relying on market performance.

Outside of work, Toby enjoys spending time with his five children, playing golf and guitar, staying active, and participating in his church. He values the wisdom and insight gained from his church, and in 2025, he became a Certified Kingdom Advisor® (CKA®), incorporating biblical principles into his financial guidance. Grounded in wisdom and generosity, as a CKA®, Toby advises his clients with an understanding of their unique circumstances and concerns. Using both facts and faith, he guides his clients to more prosperity, providing them with the advice they need to help make decisions that align with their values and goals.